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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $194,097 | $162,136+19.7% | $152,301+27.4% | $154,746+25.4% |
| Participation rate | 78.6% | 84.1%-5.5pp | 82.4%-3.9pp | 80.7%-2.1pp |
| Annual return | 18.86% | 91.02%-72.2pp | 80.50%-61.6pp | 172.34%-153.5pp |
| Employer contribution / active EE | $4,005 | $4,890-18.1% | $4,624-13.4% | $4,379-8.6% |
| Participant deferral / active EE | $12,608 | $8,341+51.2% | $8,004+57.5% | $6,730+87.3% |
| Admin fee / account holder | $4,182 | $15,759-73.5% | $14,398-71.0% | $14,365-70.9% |